CAMERON COUNTY VETS CLUB (EIN 250947605) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1947

Legal Domicile

Principal Officer

John M Guisto

Phone

8144863078

Tax Period

2025-01-01 to 2025-12-31

CAMERON COUNTY VETS CLUB, founded in 1947, is a small nonprofit that reported $181K in total revenue in fiscal year 2025. Expenses of $205K exceeded revenue, resulting in a 13% operating deficit.

Mission

Veterans Social Activities

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $4,760

Program Service Revenue $20,573

Investment Income $0

Other Revenue $155,424

TOTAL REVENUE $180,757

Expense Breakdown

Grants Paid $23,508

Salaries & Benefits $101,716

Fundraising Expenses $0

Program Expenses $204,933

Other Expenses $79,709

TOTAL EXPENSES $204,933

Year-over-Year Comparison

	2025	2024	Change
Revenue	$180,757	$169,199	+0.1%
Expenses	$204,933	$223,703	-0.1%
Net Income	$-24,176	$-54,504	-0.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$3,850

Total Directors

$39,210

Key Employees

$35,360

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Laure Richnafsky	Manager	040.00	Director Key Emp Highest	$35,360	$0	$35,360
Thomas Richards	Secretary/Tresurer	015.00	Officer Director	$3,850	$0	$3,850
John Guisto	President	003.00	Officer Director	$0	$0	$0
Steve Summerson	Director	001.00	Director	$0	$0	$0
Rob Young	Vice President	002.00	Officer Director	$0	$0	$0
Keith Summerson	Director	001.00	Director	$0	$0	$0
Rob Aversa	Director	001.00	Director	$0	$0	$0
Matt Hollowell	Director	001.00	Director	$0	$0	$0
Dennis McCulla	Director	001.00	Director	$0	$0	$0
Ben Bickford	Director	001.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$180,757	$204,933	$96,294	$-24,176
2024	$169,199	$223,703	$100,253	$-54,504
2023	$256,463	$229,876	$121,485	$26,587
2022	$151,815	$183,102	$114,349	$-31,287
2021	$202,747	$182,865	$141,518	$19,882
2020	$135,173	$150,834	$146,709	$-15,661
2020	$135,173	$140,128	$157,415	$-4,955

CAMERON COUNTY VETS CLUB